CERTIFICATIONS

MAKING HEADS OR TAILS OF THE

FINANCIAL PLANNING ALPHABET SOUP

• RIA REGISTERED INVESTMENT ADVISOR - DIRECTLY UNDER STATE AND/OR FEDERAL REGULATION. IF ASSETS UNDER MANAGEMENT TOTALS LESS THAN $25M, S.E.C. REQUIRES IA NEED ONLY BE REGISTERED WITH STATE. IF ASSETS UNDER MANAGEMENT TOTALS $25M OR MORE, MUST ALSO BE REGISTERED WITH S.E.C. ANY ADVISOR MUST BE AN RIA OR A REPRESENTATIVE OF AN RIA FIRM TO CALL THEMSELF A “FINANCIAL PLANNER”.

• AWMA ACCREDITED WEALTH MANAGEMENT ADVISOR – College For Financial Planning

• AAMS ACCREDITED ASSET MANAGEMENT SPECIALIST – College For Financial Planning

• CAP CHARTERED ADVISOR IN PHILANTHROPY – The American College.

• CASL CHARTERED ADVISOR FOR SENIOR LIVING – The American College.

• CEBS CERTIFIED EMPLOYEE BENEFITS SPECIALIST – (Pensions).

• CEPP CHARTERED ESTATE PLANNING PRACTITIONER – (Estate Planning) Estate Planning Institute

• CFA CHARTERED FINANCIAL ANALYST – (Securities) Association For Investment Management Research.

• CFP® CERTIFIED FINANCIAL PLANNER® – (Financial Planning) ACCREDITED AND LICENSED TO USE THE CFP TRADEMARK BY CFP BOARD OF STANDARDS.

• CFS CERTIFIED FUNDS SPECIALIST – (Mutual Funds).

• ChFC CHARTERED FINANCIAL CONSULTANT – (Financial Planning) Accredited by the body that covers Life Underwriters.

• CIC CHARTERED INVESTMENT COUNSELOR – Investment Counsel Association of America.

• CLU CHARTERED LIFE UNDERWRITER – (Insurance).

• CMA CERTIFIED MANAGEMENT ACCOUNTMENT – (Accounting).

• CMFC CHARTERED MUTUAL FUND COUNSELOR – College For Financial Planning

• CPA CERTIFIED PUBLIC ACCOUNT – (Accounting).

• CPCU CHARTERED PROPERTY AND CASUALTY UNDERWRITER – (Insurance).

• CWS CERTIFIED WEALTH STRATEGIST – (Wealth/Financial Planning) Cannon Financial Institute & New England College of Finance.

• EA ENROLLED AGENT – (Taxes).

• FSS FINANCIAL SERVICES SPECIALIST – (Insurance) The American College & National Association of Insurance & Financial Advisors - NAIFA

• JD JURIS DOCTOR – (Law Degree).

• LLB BACHELOR OF LAW – (Law Degree).

• LUTCF LIFE UNDERWRITER TRAINING COUNCEL FELLOW – (Insurance).

• MSFS MASTER OF SCIENCE IN FINANCIAL SERVICE – (Post Graduate Degree, Financial Planning).

• PFS PERSONAL FINANCIAL SPECIALIST – (Accounting) Issued by the American Institute of Certified Public Accounts. They must first be CPAs.

• RR REGISTERED REPRESENTATIVE – (Securities - NASD License).

• RFC REGISTERED FINANCIAL CONSULTANT – (Financial Planning) Accredited by the International Association of Registered Financial Consultants – IARFC.

• RHU REGISTERED HEALTH UNDERWRITER – (Insurance).

Revised 4-19-05.